Lenders use a variety of methods to track the creditworthiness of clients. If the company is public we use 10-K's and there are specialty services that send out alerts whenever a UCC is filed or a tax lien is issued. None of these resources are the last word, it takes a career of reading between the reports to gain a sense of where credit availability should rest. Ultimately first person payment history is the strongest indicator, but knowing how to be out in front of a downturn event helps in the long run.

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